Zigwe Loans Ho Nhwehwɛmu ne N'asekyi Wɔ Ghana
Zigwe Loans, a ne din a ɛyɛ nokware wɔ mmara kwan so ne Nectar Micro-Credit Limited, yɛ adwumakuw a ɛde Intanɛt mfiri di dwuma de ma sika fɛm wɔ Ghana. Wɔde sii hɔ wɔ afe 2023 mu, na adwumakuw yi de ne ho ato fon nkyerɛwde (mobile app) ne Intanɛt krataafa so de ma sika fɛm nketewa a ɛnhia hwee sɛ agyapadeɛ. Wɔde nhyehyɛeɛ a ɛyɛ ne ho na ɛhwɛ sika fɛm ho asiane so de boa adwumayɛfoɔ a wɔtua wɔn akatua ne nnipa a wɔnni bank account kɛseɛ wɔ Ghana nyinaa.
Adwumakuw no sika fɛm ho dwumadie no yɛ ntɛm yiye, ɛwɔ mmara kwan so nhyehyɛeɛ a ɛyɛ mmerɛw de hu obiara ho nsɛm (KYC), na ɛma wɔtumi de sika ma ntɛmntɛm. Afei nso, sika a wɔsan tua no kwan yɛ mmerɛw, na ɛma Zigwe Loans abɛyɛ adwumakuw a ɛregye din ntɛmntɛm wɔ Ghana Intanɛt so sika fɛm adwumayɛ mu.
Zigwe Loans Ho Nsɛmti ne Ne Dwumadie Kwan
- Mmara Kwan So Din ne Kyerɛwtohɔ: Nectar Micro-Credit Limited, a wɔde din Zigwe Loans di dwuma.
- Wɔde Sii Hɔ: Wɔde sii hɔ wɔ afe 2023 mu, na ɛyɛ adwumakuw ketewa a Nectar Developer Ltd., Ghana Intanɛt mfiri adwumakuw kɛseɛ bi na ɛwɔ no.
- Dwumadie Kwan: Wɔde fon nkyerɛwde ne Intanɛt krataafa di dwuma de ma sika fɛm nketewa. Wɔde Intanɛt mfiri di dwuma de hwɛ sika fɛm ho asiane so na ɛma wɔtumi gye sika fɛm so ntɛmntɛm.
- Wɔn a Wɔhwehwɛ Wɔn: Adwumayɛfoɔ a wɔtua wɔn akatua (abaafoɔ ne ankorankoro), nnwumakuw nketewa, ne nnipa a wɔyɛ adwuma wɔ adwumayɛ kwan a ɛnni nhyehyɛeɛ mu, a wɔn mfeɛ firi 20 kɔsi 65, a wɔhwehwɛ sika fɛm a ɛfiri GHS 600 kɔsi GHS 5,000.
Sika Fɛm a Wɔde Ma ne Nsiho ho Nsɛm
Zigwe Loans de sika fɛm ahorow pii ma de boa nnipa pii ahiadeɛ. Sika fɛm yi biara nhia agyapadeɛ biara sɛ wobɛde ato hɔ, na ɛma ɛyɛ mmerɛw ma nnipa pii.
Sika Fɛm Ahorow
- Ankorankoro Sika Fɛm: Eyinom yɛ sika fɛm a wɔde ma ankorankoro de boa wɔn ahiadeɛ ahorow.
- Sika Fɛm Ntɛmntɛm: Sika fɛm a ɛwɔ berɛ tiaa bi mu, a ɛde sika ma ntɛmntɛm de boa obiara ahiadeɛ a ɛho hia.
Sika Fɛm Dodow ne Nsiho
- Sika Fɛm Dodow:
- Ketewa: GHS 600
- Kɛseɛ: GHS 5,000
- Nsiho ne Afe Mu Nsiho Kɛseɛ (APR):
- Afe Mu Nsiho: 13% kɔsi 30% (ɛgyina sika fɛm dodow, berɛ a wɔde bɛtua, ne obi a ɔfɛm sika no ho nsɛm so).
- Afe Mu Nsiho Kɛseɛ (APR): Eyi yɛ 30% kɔsi 72%, a ɛkyerɛ nsihɔ ne aka a ɛka ho nyinaa.
- Sika Fɛm Berɛ ne Sika a Wɔsan Tua Berɛ:
- Berɛ: Wɔde sika fɛm ma wɔ nna 120 kɔsi 360 mu (abosom 4 kɔsi 12).
- Tua Kwan: Wɔtumi tua sika no afa afa.
Aka ho Nhyehyɛeɛ
- Sika a Wɔde Yɛ Dwuma: Wɔde aka yi aka afe mu nsiho (APR) no ho; wɔammɔ ne fa a ɛda so no kyerɛɛ.
- Aka a Wɔde Tua Berɛ a Atwam: Sika krɔn GHS 20 pɛ sɛ w’akatua atwam nna 7.
- Adwumayɛ Aka: Wɔnnye sika biara ntɛm ara ansa na wɔagye sika fɛm.
- Agyapadeɛ a Ɛsɛ Sɛ Wɔde To Hɔ: Sika fɛm yi nyinaa nhia agyapadeɛ biara sɛ wobɛde ato hɔ. Wɔde Intanɛt mfiri na ɛhwɛ obiara sika fɛm ho kwan so.
Sika Fɛm Ho Kyerɛwtohɔ ne Fon Nkyerɛwde Ho Nsɛm
Zigwe Loans de Intanɛt mfiri di dwuma kɛseɛ de ma ne dwumadie nyinaa yɛ mmerɛw na ɛyɛ ntɛm. Adwumakuw no nni baa dwumadibea a nnipa kɔ hɔ kɛseɛ, na mmom ɛde fon nkyerɛwde ne Intanɛt krataafa di dwuma.
Kyerɛwtohɔ Kwan ne Deɛ Ɛho Hia
- Wɔtumi Kyerɛw Tohɔ Wɔ:
- Fon Nkyerɛwde (Android): Wɔtumi nya Zigwe Loans fon nkyerɛwde no wɔ Google Play Store.
- Intanɛt Krataafa: Wɔn Intanɛt krataafa no nso boa ma wɔtumi kyerɛw tohɔ na wɔhwɛ sika fɛm so.
- Deɛ Ɛho Hia Sɛ Wokyerɛw Tohɔ:
- Ghana Kaad anaa aban nkrataa foforɔ a ɛyɛ nokware.
- Adansedie a ɛkyerɛ sika a wonya.
- Fon nɔma a ɛyɛ adwuma.
- Bank account anaa fon sika (mobile money) account.
- Kyerɛwtohɔ Dwumadie:
- Kyerɛw tohɔ wɔ fon nkyerɛwde anaa Intanɛt krataafa so.
- Fa wo Kaad ne w’akatua krataa gu Intanɛt so.
- Wɔde Intanɛt mfiri na ɛhwɛ wo nkrataa so ntɛmntɛm.
- Sika Fɛm Ho Nhwehwɛmu: Wɔde Intanɛt mfiri (algorithm) a ɛyɛ wɔn ankasa na ɛhwɛ obiara sika fɛm ho asiane so. Wɔhwɛ sika a obi nya, sika a watua dedaw, fon sika a ɔde adi dwuma, ne sika fɛm ho nsɛm afoforɔ so na ɛde gyinaeɛ ma ntɛmntɛm.
- Sika a Wɔde Ma Kwan:
- Bank So Sika Kɔ: Wɔtumi de sika no kɔ wo bank account mu tẽẽ.
- Fon Sika: Wɔtumi de sika no kɔ wo fon sika account mu (MTN, Vodafone, AirtelTigo).
Fon Nkyerɛwde (Mobile App) Ho Nsɛm ne Ne Dwumadie
Zigwe Loans fon nkyerɛwde no yɛ nea ɛho hia paa wɔ wɔn adwumayɛ mu. Wɔn nkyerɛwde no wɔ Android fon so, na wɔreka ho asɛm sɛ wɔbɛyɛ iOS nkyerɛwde nso.
- Fon Nkyerɛwde ho Nsɛm: Wɔn nkyerɛwde no anya 4.2 wɔ 5 mu wɔ Google Play Store so, na nnipa bɛyɛ 50,000 atwe no agu wɔn fon so.
- Deɛ Ɛho Hia Wɔ Fon Nkyerɛwde No Mu:
- Sika Fɛm Ho Kyerɛwtohɔ Ntɛmntɛm: Wɔtumi de nsa baako pɛ kyerɛw tohɔ.
- Nkontaabu Krataafa: Ɛkyerɛ sika fɛm a aka, ne berɛ a ɛsɛ sɛ wotua sika a ɛdi hɔ no.
- Mmoa wɔ Nkyerɛwde Mu: Wɔtumi ne wɔn a wɔboa nnipa no kasa wɔ nkyerɛwde no mu.
- Sika Tua ho Nhyehyɛeɛ a Ɛyɛ Ne Ho: Wɔtumi yɛ nhyehyɛeɛ ma fon no tua sika no ne ho.
- Nnipa a Wɔde Adi Dwuma Adwene: Nnipa pii kamfo wɔn nkyerɛwde no ho ntɛmntɛm ne mmerɛw, nanso ebinom aka ho asɛm sɛ ɛtɔ da a ɛtumi sɛe wɔ fon dada so.
- Nnipa Mmoa: Wɔtumi nya mmoa wɔ nkyerɛwde no mu, Intanɛt so nsɛm, ne fon so. Wɔn fon mmoa no yɛ adwuma firi anɔpa nnaawɔtwe kɔsi anwumere nsia (8 AM-6 PM GMT).
Mmara Kwan So Gyinabea ne Nea Zigwe Loans Betumi Ayɛ Wɔ Sika Fɛm Adwuma Mu
Sɛ adwumakuw bi bɛyɛ sika fɛm adwuma wɔ Ghana a, ɛsɛ sɛ wɔdi mmara so yiye. Zigwe Loans nso di mmara a ɛsɛ sɛ wɔde di dwuma wɔ saa adwuma yi mu so.
Mmara Kwan So Tumi Krataa ne Mmara ho Nhyehyɛeɛ
- Mmara Kwan So Tumi Krataa: Ghana Bank ama Nectar Micro-Credit Limited (Zigwe Loans) tumi krataa sɛ sika adwumakuw a ɛnyɛ bank (Savings & Loans license), a ɛfiri afe 2024 mu.
- Mmara a Wɔdi So: Wɔdi mmara a ɛfa sika fɛm ne wɔn a wɔfɛm sika ho (Borrowers and Lenders Act, 2009) ne akatua nhyehyɛeɛ ho mmara (Payment Systems Act, 2019) so. Afei nso, wɔhwɛ nnipa nsɛm ho ban (Ghana Data Protection Act, 2012) so yiye.
- Mmara So Akatua Biara: Wɔnnkyerɛɛ sɛ wɔagye Zigwe Loans so akatua biara kɔsi nnɛ.
Nnipa a Wɔde Dwuma Di Dwuma Ho Banbɔ
- Wɔkyerɛ afe mu nsiho kɛseɛ (APR) no mu pefee wɔ fon nkyerɛwde no mu.
- Wɔde nna 7 ahohuru berɛ ma, a ɛma obiara tumi sesa n’adwene sɛ ɔmpɛ sika fɛm no bio a.
- Wɔnkyerɛ fon nɔma a obiara tumi de frɛ kɔka ne nsɛm, na wɔwɔ nhyehyɛeɛ a wɔde siesie nsɛm a nnipa kyerɛw ma wɔn.
Adwuma no Gyinabea Wɔ Ghana
Zigwe Loans yɛ adwumakuw a ɛgye din wɔ Ghana Intanɛt so sika fɛm adwuma mu. Wɔn fon nkyerɛwde no wɔ adwumakuw a ɛdi kan du mu wɔ sika fɛm nkyerɛwde ahorow mu wɔ Google Play Ghana so.
- Akansifoɔ ne Nea Ɛma Wɔn Yɛ Soronko: Zigwe Loans de sika fɛm nketewa ma ntɛmntɛm, na ɛma ɛyɛ soronko firi bank ne sika adwumakuw nketewa afoforɔ ho.
- Fido Finance: Wɔn sika fɛm dodow kɛseɛ yɛ GHS 3,000.
- 4G Cash: Wɔn berɛ tiaa yɛ nna 180 pɛ.
- Branch Ghana: Ɛhwehwɛ sɛ obi anya sika fɛm dedaw ansa na wɔde ama no bio.
- Nyini Kwan: Wɔwɔ nhyehyɛeɛ sɛ wɔbɛyi iOS fon nkyerɛwde adi wɔ afe 2025 awieɛ, na wɔde nnwumakuw nketewa sika fɛm nso bɛka ho wɔ afe 2026 mu.
Afotuo Ma Wɔn a Wɔpɛ Sika Fɛm
Sɛ wopɛ sɛ wofɛm sika firi Zigwe Loans anaa sika fɛm adwumakuw biara a, ɛho hia sɛ wosusu ho yiye na woyɛ no nyansa mu.
Nnyinasoɔ a Ɛho Hia:
- Te Nsiho ne Aka Ase: Sika fɛm a ɛwɔ Intanɛt so taa nya afe mu nsiho kɛseɛ (APR) a ɛkorɔn. Hwɛ na wote nsihɔ, aka, ne berɛ a ɛsɛ sɛ wotua sika no ase yiye ansa na woagye sika fɛm no. Bɔ mmɔden sɛ wubetua sika no ntɛm na w’aka no anka ɛnnyɛ kɛseɛ.
- Hwɛ Wo Tumi: Ansa na wobɛfɛm sika biara no, hwɛ sɛ wubenya sika a wobɛtumi de atua. Sika fɛm no ntumi nyɛ nsiesie ma sika ho haw a ɛwɔ hɔ dedaw.
- Di Fon Nkyerɛwde no Dwuma: Zigwe Loans fon nkyerɛwde no wɔ nsɛm pii a ɛboa wo ma wotumi hwɛ wo sika fɛm no so. Di dwuma wɔ dashboard, nsɛm a ɛkyerɛ sɛ wotua sika, ne mmoa a ɛwɔ nkyerɛwde no mu.
- Kasa kyerɛ Wɔn: Sɛ wunya haw biara a ɛfa wo sika fɛm ho anaa wuntumi ntua sika no berɛ, afei kɔ so ne Zigwe Loans nnipa a wɔboa wɔn no nkasa. Sɛ wokyerɛ wɔn ntɛm a, wobetumi anya mmoa a ɛsɛ.
- Susu Akansifoɔ Ho: Ansa na wobɛfɛm sika, hwɛ adwumakuw afoforɔ nso na sususu wɔn nsiho, aka, ne berɛ ho. Paw deɛ ɛyɛ wo yie paa.
- Fɛm Sika a Wunhia Pɛ: Fɛm sika a ɛsɛ sɛ woyɛ deɛ wopɛ, na mfɛm sika pii a ɛrenhia wo.
Zigwe Loans de sika fɛm kwan a ɛyɛ ntɛm ne mmerɛw ma Ghanafoɔ pii. Nanso, ɛho hia sɛ wobɔ wo ho ban na woyɛ nyansa wɔ sika fɛm ho gyinaeɛ a wofa mu.
